| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $791K | $40K | $831K | 19.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $100K | $40K | $140K | 3.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC A HUB INTERN | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | COMBINED INSURANCE COMPANY OF AMERICA | $100K | — | $100K | 6.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | BLUECROSS BLUESHIELD OF NEBRASKA | — | $24K | $24K | 2.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP LLC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | JOHN HANCOCK LIFE INSURANCE COMPANY | $34K | — | $34K | 7.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, INC | 11516 MIRACLE HILLS DR OMAHA, NE 68154 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $6K | $22K | 6.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WTW NORTHEAST, INC | 200 LIBERTY STREET FL 6 BROOKFIELD PLACE NEW YORK, NY 10281 | ZURICH AMERICAN INSURANCE COMPANY | $8K | — | $8K | 25.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 9,653 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 411 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 113 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEBRASKA | 358 | $840K |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 18,746 | $1.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 14,923 | $4.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 9,119 | $3.6M |
| Other(6 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 18,746 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,746 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.